Tag Archives: tech

Can You be Denied a Loan Because You’re Unpopular on Facebook?

Mother Jones

<!DOCTYPE html PUBLIC “-//W3C//DTD HTML 4.0 Transitional//EN” “http://www.w3.org/TR/REC-html40/loose.dtd”>

It’s already well known that Facebook and other social media networks harvest user data and sell it to companies that use that info to peddle their products to consumers. But some lenders have begun to find a new use for this information, scrutinizing Facebook, Twitter, and LinkedIn data to determine the credit-worthiness of loan applicants. It’s an unprecedented practice that consumer advocates say can be unfair or discriminatory—and one that is poised to only become more prevalent in the years ahead.

Among the US-based online lenders that factor in social media to their lending decisions is San Francisco-based LendUp, which checks out the Facebook and Twitter profiles of potential borrowers to see how many friends they have and how often they interact; the company views an active social media life as an indicator of stability. The lender Neo, a Silicon Valley start-up, looks at the quality and quantity of an applicant’s LinkedIn contacts for clues to how quickly laid-off borrowers will be rehired. Moven, which is based in New York, also uses information from Twitter, Facebook, and other social networking sites in their loan underwriting process.

Several international lenders have been using similar tactics for a while. Lenddo, for example, which makes loans to folks in developing countries, denies credit to applicants who are Facebook friends with someone who was late repaying a Lenddo loan. Big banks have not yet jumped on board with this controversial credit-vetting method, but consumer advocates and financial industry experts say it’s probably only a matter of time.

Continue Reading »

Link to article:  

Can You be Denied a Loan Because You’re Unpopular on Facebook?

Posted in Anker, FF, GE, LAI, LG, ONA, oven, Uncategorized, Venta | Tagged , , , , , , , , | Comments Off on Can You be Denied a Loan Because You’re Unpopular on Facebook?

Fear of iPhone Finger Severing Frenzy Proves Groundless

Mother Jones

<!DOCTYPE html PUBLIC “-//W3C//DTD HTML 4.0 Transitional//EN” “http://www.w3.org/TR/REC-html40/loose.dtd”>

Good news for iPhone 5S customers! The fingerprint reader will only work with actual live fingers, so you don’t need to worry about some James Bond supervillain wannabe cutting off your finger in order to get access to the iPhone he’s stolen from you.

Actually, it’s even better than that, since a thief would have no idea which finger you normally use and would therefore have to chop off both your hands to really be sure he had the right fingerprint. But you don’t have to worry about that either. Your digits are safe.

(Assuming that iPhone thieves all read Mashable, that is.)

Link: 

Fear of iPhone Finger Severing Frenzy Proves Groundless

Posted in FF, GE, LAI, LG, ONA, Uncategorized, Venta | Tagged , , , , | Comments Off on Fear of iPhone Finger Severing Frenzy Proves Groundless

Today’s Roundup of Dinosaur Technology

Mother Jones

Are telephone answering machines dinosaurs? Matt Yglesias says yes. I say no. Believe it or not, lots of people still make and receive phone calls! And not everyone has signed up for their phone company’s voice mail service. But they’d still like to know when someone has called and would like them to call back. Thus, the answering machine. They’re mostly built into phones these days rather than sold as standalone devices, but there are still lots of them out there.

In a separate vein, Dave Weigel questions the utility of morning roundup posts:

It’s 2013 A.D. and I’m no longer convinced that early-morning round-up posts are a good use of time. So this will be the last one — again, barring some massive pressure campaign, letters from readers piling up like letters to Santa in Miracle on 34th Street.

For what it’s worth, my take on this has always been simple. Roundup posts with more than four or five entries are a waste of time. You’re basically signalling me that this is just a dump of everything you’ve read this morning, so I’m going to skip it. But a roundup with three or four or maybe five items signals something different. It tells me that this is actually a carefully pruned list of things you truly found interesting and think I might be interested in too. Those kinds of roundup posts I frequently find worthwhile.

Sadly, nearly all roundup posts are the former type.

Link – 

Today’s Roundup of Dinosaur Technology

Posted in alo, FF, GE, LG, ONA, Uncategorized, Venta | Tagged , , , , | Comments Off on Today’s Roundup of Dinosaur Technology

7 High-Tech Gadgets for Helicopter Parents

Mother Jones

<!DOCTYPE html PUBLIC “-//W3C//DTD HTML 4.0 Transitional//EN” “http://www.w3.org/TR/REC-html40/loose.dtd”>

First off, let’s get one thing straight: You suck as a parent. This is obvious because you’re human and thus almost certain to do unforgivable things like leave your baby alone in his or her crib for several hours at a time just so that you can sleep. But let’s assume for the sake of argument that you never sleep: How do you really know that your sleeping child is healthy? By staring at her all night long? Please. It’s time to admit that you have no idea how to raise a child, and that you should outsource the job to your friends in Silicon Valley. Let’s face it, they’re probably smarter than you, and their kids will probably have higher IQs than your kids and get into better colleges. So heed their advice, and buy these indispensable baby-rearing gadgets.

Withings Smart Kids Scale

During scheduled check-ups, your pediatrician will typically weigh your baby to make sure that his growth curve falls within the range of “normal.” But given that your baby may go days, weeks, or even months between check-ups, how do you know he hasn’t suddenly forked off onto an inexorable path towards anorexia or morbid obesity? That’s why you need the Withings Smart Kids Scale. It weighs your baby and automatically transmits the measurements to a smartphone app. You can use the app to tweak your feeding strategy, stuffing or starving your infant into total normalcy.

Owlet Vitals Monitor

A sensor woven into your baby’s sock tracks her heart rate, blood-oxygen levels, skin temperature, and “sleep quality.” It streams this data in real time, along with any “roll over alerts,” to your iPhone, where it’s logged in perpetuity by a special app. Rest assured knowing that the slightest perturbations in your child’s bodily rhythms will be brought to your immediate attention, enabling you to constantly wonder if you ought to rush her to the hospital before it’s too late. Only 6 percent of Owlet customers have babies with health issues, according to Owlet founder Jordan Monroe. But nobody has health issues, you know, until they do.

Babies’ Diary

Unfortunately, sensors and smart scales can’t monitor everything that matters to your baby’s health (and ultimate fantastic success in life). For that, you’ll need the Babies’ Diary, an app that tracks nursings, diaper changes, baths, doctor visits, baby length and head size, and the duration of stroller walks and play sessions. Concerned that constantly updating these details might detract from, say, your quality time with your child? Don’t worry about it! Just sleep less.

True Fit iAlert Convertible Car Seat

When a VC drives his little guy around Menlo Park, how does he really know the kids is buckled in and happy? He could turn around and check on him, but who has time for that while updating their Baby Diaries and negotiating the gridlock on Sand Hill Road? That’s why the True Fit iAlert Convertible Car Seat is such a lifesaver. For just $399.99, you get a seat that’s fully integrated with your iPhone. You’ll never have to take your eyes off the screen again to know that your child has overheated, jumped out the window, or been abandoned by you in the parking lot.

Why Cry Baby Cry Analyzer

Do you know why your baby is crying? Neither do the autistic geniuses who rule Silicon Valley. That’s why they own the Why Cry Baby Cry Analyzer. Who needs common sense when you’ve got algorithms?

Locate 1 GPS

Until robot nannies become viable, you may need to hire a human to help take care of your baby while you’re at work. Instead of trusting your nanny’s judgment, bug your baby’s diaper bag with the Locate 1 GPS. For only $500 (and a $15 to $50 monthly service fee), it can tell you where your baby is going, if he has exceeded a certain speed limit, and whether he has crossed into any “forbidden zones” that you may wish to designate, such as East Palo Alto. The Locate 1 will also come in handy once your baby gets his own drivers license.

BellyBuds

You can put your fetus on the waiting list of an exclusive preschool, but don’t count on it being accepted without BellyBuds. As any good parent knows, children exposed to music in the womb develop sooner than children who aren’t. Sure, affixing two giant suction speakers to your engorged belly every night might not sound like fun, but neither is raising a child that can’t even get into MENSA.

Read More: 

7 High-Tech Gadgets for Helicopter Parents

Posted in alo, Annies, FF, GE, LG, ONA, oven, Uncategorized, Venta | Tagged , , , , , , , , , | Comments Off on 7 High-Tech Gadgets for Helicopter Parents

Here’s the Mean iPhone Post I Promised You

Mother Jones

<!DOCTYPE html PUBLIC “-//W3C//DTD HTML 4.0 Transitional//EN” “http://www.w3.org/TR/REC-html40/loose.dtd”>

So the new iPhone 5S comes in new colors; has a faster processor; and a slightly better camera; and a fingerprint sensor. Plus there’s a motion sensor chip built in, which is supposed to be great for exercise apps. This is in addition to the lower-priced iPhone 5C, which is not just plastic, but “unapologetically plastic.” This possibly sets a new world record for the most pretentiously Apple-ish thing ever said.

I know that everyone is going to immediately accuse me of hating Apple, despite the many Apple products I currently own,1 but this sure doesn’t sound very revolutionary. In fact, it sounds tired. That’s no big surprise, really, since the smartphone space is getting pretty mature. And maybe it doesn’t matter. For now, at least, I imagine that gazillions of people will convince themselves that a silver faceplate and a fingerprint sensor are the coolest gizmos in the world if Apple says they are. And the cheaper 5C is certainly a perfectly good attempt to do a bit of old-school market segmentation.

As for me, my 4S continues to work fine. I sure don’t see anything in today’s announcement to make me rush out and want to replace it.

1In fact, I hate Apple because of the many Apple products I own. Their relentless desire to control what customers can and can’t do with their products drives me up a wall.

Source: 

Here’s the Mean iPhone Post I Promised You

Posted in FF, GE, LG, ONA, Uncategorized, Venta | Tagged , , , | Comments Off on Here’s the Mean iPhone Post I Promised You

Where Do Millennials Shop For Food?

Mother Jones

<!DOCTYPE html PUBLIC “-//W3C//DTD HTML 4.0 Transitional//EN” “http://www.w3.org/TR/REC-html40/loose.dtd”>

The LA Times has an interesting story today about supermarket automation that’s worth a read if you’re interested in such things. Among other things, I learned what those Powerballish-looking TV screens in my local Albertsons are all about.1But there was also this:

Grocery stores especially want to appeal to younger shoppers, many of whom tend to avoid traditional supermarkets because they consider them the place their parents shop. One way to woo smartphone-toting millennials is to make grocery shopping more tech-friendly, analysts said.

Since I have long since reached the “get off my lawn” stage of life, this prompted two questions that perhaps my younger readers can answer. First, is it really true that you avoid traditional supermarkets because your parents shopped there? And second, where do you shop instead that doesn’t seem like a place your parents would frequent?

1It’s QueVision! More here.

View the original here: 

Where Do Millennials Shop For Food?

Posted in FF, GE, LG, ONA, Uncategorized, Venta | Tagged , , , , | Comments Off on Where Do Millennials Shop For Food?

Google Redoubles Effort to Thwart NSA Surveillance

Mother Jones

<!DOCTYPE html PUBLIC “-//W3C//DTD HTML 4.0 Transitional//EN” “http://www.w3.org/TR/REC-html40/loose.dtd”>

The Washington Post reports today on the first of what I assume will be many announcements from tech companies worldwide:

Google is racing to encrypt the torrents of information that flow among its data centers around the world in a bid to thwart snooping by the NSA and the intelligence agencies of foreign governments, company officials said Friday. The move by Google is among the most concrete signs yet that recent revelations about the National Security Agency’s sweeping surveillance efforts have provoked significant backlash within an American technology industry that U.S. government officials long courted as a potential partner in spying programs.

….Security experts say the time and energy required to defeat encryption forces surveillance efforts to be targeted more narrowly on the highest-priority targets — such as terrorism suspects — and limits the ability of governments to simply cast a net into the huge rivers of data flowing across the Internet. “If the NSA wants to get into your system, they are going to get in . . . . Most of the people in my community are realistic about that,” said Christopher Soghoian, a computer security expert at the American Civil Liberties Union. “This is all about making dragnet surveillance impossible.”

….Google officials declined to provide details on the cost of its new encryption efforts, the numbers of data centers involved, or the exact technology used. Officials did say that it will be what experts call “end-to-end,” meaning that both the servers in the data centers and the information on the fiber-optic lines connecting them will be encrypted using “very strong” technology. The project is expected to be completed soon, months ahead of the original schedule.

Eric Grosse, vice president for security engineering at Google echoed comments from other Google officials, saying that the company resists government surveillance and has never weakened its encryption systems to make snooping easier — as some companies reportedly have, according to the Snowden documents detailed by the Times and the Guardian on Thursday.

“This is a just a point of personal honor,” Grosse said. “It will not happen here.”

The question here is, Who do you trust? Google says they’re going to use strong encryption and will never install back doors or hand over encryption keys to the NSA. At least, that’s what they seem to be saying.

On the other hand, if the NSA gets a court order that forces Google to turn over encryption keys and prohibits them from talking about it, who would ever find out?

So which do you trust more? Google’s desire to give its customers what they want, or the NSA’s ability to get what they want? Good question. The vast majority of people won’t care about this at all, but I suspect that more than a few will decide that NSA has more power than Google and will simply decline to do business in the future with American companies if it involves storage of information on the cloud. Whether that eventually has a noticeable impact on American tech companies is hard to predict.

Link: 

Google Redoubles Effort to Thwart NSA Surveillance

Posted in FF, GE, LG, ONA, Uncategorized, Venta | Tagged , , , , | Comments Off on Google Redoubles Effort to Thwart NSA Surveillance

In Which I Muddy the Waters on the Edward Snowden Crypto Bombshell

Mother Jones

Earlier today, in a post about the latest Edward Snowden leak, I wrote that “I’m a lot less certain that this one should have seen the light of day.” After some further thought and conversation, I’m now a lot less certain I should have said that.

Here’s the problem. The Guardian and New York Times stories basically revealed two things:

The NSA has been working to deliberately weaken commercial crypto standards and insert back doors that only they have privileged access to. This is horrific public policy for at least a couple of reasons. First, the NSA tried to do this publicly in the mid-90s with the Clipper chip and export restrictions on crypto technology, and they lost. Now they’re covertly doing what Congress refused to let them do overtly. Second, deliberately weakening commercial crypto exposes everyone who uses it to possible interception from bad actors who manage to discover the NSA’s handiwork. There’s no way the NSA can guarantee that other groups won’t learn the weaknesses it’s introduced (indeed, it’s already happened in some cases) or somehow get access to its back doors. I have no problem at all with the Times and the Guardian disclosing this, and I’d very much like Congress to put a stop to it.

In addition, the NSA has been working to to improve its decryption capabilities in ways that don’t degrade commercial crypto for anyone else. The details are unclear. It might involve new mathematical techniques. It might involve new computational techniques or improved computational power. It might involve old school hacking. It might involve stealing encryption keys or getting companies to give them up. It might involve the discovery of weaknesses that already exist. This is all stuff that NSA is chartered to do, and it does nothing to harm general use of commercial cryptography. However, revealing the extent of NSA’s success in this area might indeed warn terrorists and others away from commercial crypto that they thought was safe, and thus degrade NSA’s ability to track them. I have a hard time believing that the public interest in this outweighs the damage done to U.S. intelligence efforts.

Needless to say, not everyone agrees with my second bullet. Judging from my Twitter stream, there are people who seem to think that it’s illegal for the NSA to engage in decryption. Others apparently believe that foreign surveillance serves no actual purpose and is really just a sham to keep the power elite in power. Still others seem to think that governments should never keep anything secret. There’s not much to say to these people except to disagree with them.

But for the rest of us, this is a tough issue. If NSA is actively weakening internet security in ways that could blow back on us all, it absolutely ought to be reported. But to the extent that NSA is simply figuring out new decryption techniques that don’t weaken security, they’re just doing the job we’ve asked them to do. I don’t see much sense in alerting anyone to the details or scope of how successful they’ve been.

The problem is that a close reading of the Times and Guardian stories makes it really hard to figure out how much of these two things the NSA is doing. The Guardian says categorically that inserting back doors and vulnerabilities into commercial crypto systems is the “key component” of the NSA’s efforts. The Times is more circumspect, and the documents available to the Guardian and the Times are apparently fairly vague on this point. In 2010, for example, NSA says it developed “groundbreaking capabilities” against web encryption. Is this the product of a decade-long effort to insert vulnerabilities into commercial systems? Or something else?

We don’t know, though there are several hints that NSA is spending an awful lot of time and money on decryption capabilities that have no connection to back doors or inserted weaknesses. And the companies that have responded so far to this story have mostly denied having allowed anything like this.

For now, then, I’ll just say that I’m more uncertain about this than I was yesterday when I first read these stories. Some of the stuff they revealed I have no problem with. Some of it I think I do. I realize I’m breaking the pundit code that says we should all have absolute and unchangeable views on every subject, but I just don’t this time. I need to learn more, and unfortunately I’m not likely to.

Source article:  

In Which I Muddy the Waters on the Edward Snowden Crypto Bombshell

Posted in FF, GE, LG, ONA, PUR, Uncategorized, Venta | Tagged , , , , , , | Comments Off on In Which I Muddy the Waters on the Edward Snowden Crypto Bombshell

Snowden Disclosures Finally Hit 12 on a Scale of 1 to 10

Mother Jones

A few days ago, NBC News quoted a former intelligence official about the fallout from Edward Snowden’s NSA leaks. “The damage, on a scale of 1 to 10, is a 12,” he said.

At the time, I thought it was an odd thing to say. Obviously Snowden’s leaks have been damaging to the NSA, and just as obviously they’ve caused the NSA enormous PR problems. Still, we’ve known for years that they were collecting telephone metadata. We’ve known they were subpoenaing email and online documents from tech providers like Google and Microsoft. We’ve known they were monitoring switching equipment and fiber optic cables. We certainly know a lot more details about this stuff than we used to, but the basic outline of NSA’s capabilities hasn’t really come as much of a surprise.

So what was this former intelligence official talking about? I suspect it was this:

The agency has circumvented or cracked much of the encryption, or digital scrambling, that guards global commerce and banking systems, protects sensitive data like trade secrets and medical records, and automatically secures the e-mails, Web searches, Internet chats and phone calls of Americans and others around the world, the documents show.

….Some of the agency’s most intensive efforts have focused on the encryption in universal use in the United States, including Secure Sockets Layer, or SSL; virtual private networks, or VPNs; and the protection used on fourth-generation, or 4G, smartphones.

….By this year, the Sigint Enabling Project had found ways inside some of the encryption chips that scramble information for businesses and governments, either by working with chipmakers to insert back doors or by exploiting security flaws, according to the documents. The agency also expected to gain full unencrypted access to an unnamed major Internet phone call and text service; to a Middle Eastern Internet service; and to the communications of three foreign governments.

….In 2010, a briefing document claims that the agency had developed “groundbreaking capabilities” against encrypted Web chats and phone calls. Its successes against Secure Sockets Layer and virtual private networks were gaining momentum.

But the agency was concerned that it could lose the advantage it had worked so long to gain, if the mere “fact of” decryption became widely known. “These capabilities are among the Sigint community’s most fragile, and the inadvertent disclosure of the simple ‘fact of’ could alert the adversary and result in immediate loss of the capability,” a GCHQ document warned.

That’s a 12 on a scale of 1 to 10. The Snowden documents don’t make clear precisely what NSA’s capabilities are, or exactly what kind of encryption it can break. Nor is it clear how many of its new capabilities are truly due to mathematical breakthroughs of some kind, and how many are more prosaic hacking exploits that have given them more encryption keys than in the past.

Nonetheless, this is truly information that plenty of bad guys probably didn’t know, and probably didn’t have much of an inkling about. It’s likely that many or most of them figured that ordinary commercial crypto provided sufficient protection, which in turn meant that it wasn’t worth the trouble to implement strong crypto, which is a bit of a pain in the ass. (Recall, for example, Glenn Greenwald’s admission that he “almost lost one of the biggest leaks in national-security history” because Snowden initially insisted on communicating with strong crypto and Greenwald didn’t want to be bothered to install it.)

But now that’s all changed. Now every bad guy in the world knows for a fact that commercial crypto won’t help them, and the ones with even modest smarts will switch to strong crypto techniques that remain unbreakable. It’s still a pain in the ass, but it’s not that big a pain in the ass.

For what it’s worth, this is about the point where I get off the Snowden train. It’s true that some of these disclosures are of clear public interest. In particular, I’m thinking about the details of NSA efforts to infiltrate and corrupt the standards setting groups that produce commercial crypto schemes.

But the rest of it is a lot more dubious. It’s not clear to me how disclosing NSA’s decryption breakthroughs benefits the public debate much, unlike previous disclosures that have raised serious questions about the scope and legality of NSA’s surveillance of U.S. persons. Conversely, it’s really easy to see how disclosing them harms U.S. efforts to keep up our surveillance on genuine bad guys. Unlike previous rounds of disclosures, I’m a lot less certain that this one should have seen the light of day.

Jump to original – 

Snowden Disclosures Finally Hit 12 on a Scale of 1 to 10

Posted in FF, GE, LAI, LG, ONA, Uncategorized, Venta | Tagged , , , , , , | Comments Off on Snowden Disclosures Finally Hit 12 on a Scale of 1 to 10

Robots Will Win Our Hearts Before They Destroy Us All

Mother Jones

The Economist writes about robots:

No matter how flexible, easy to program and safe they are, collaborative workers may not be welcomed by human workers to begin with. The experience of Alumotion, an Italian distributor of UR’s robots, is illustrative. Workers fear being replaced by robots, says co-owner Fabio Facchinetti, so his salespeople carry demonstration units in unmarked cases and initially only meet a potential client’s senior management behind closed doors.

Roger that. So how do we make humans more accepting of robots? Part of the answer, as near as I can tell, is the usual: other, higher ranking humans will tell lies about how the robots will never, ever take away your job. They’ll just help you do your job better! But there’s also this:

Workers generally warm to collaborative robots quickly….And because workers themselves do the programming, they tend to regard the robots as subordinate assistants. This is good for morale….To keep human workers at ease, collaborative robots should also have an appropriate size and appearance. Takayuki Kanda of the ATR Intelligent Robotics and Communication Laboratories in Kyoto says that collaborative, humanoid robots should generally be no larger than a six-year-old, a size most adults reckon they could overpower if necessary.

….It turns out, for example, that people are more trusting of robots that use metaphors rather than abstract language, says Bilge Mutlu….He has found that robots are more persuasive when they refer to the opinions of humans and limit pauses to about a third of a second to avoid appearing confused. Robots’ gazes must also be carefully programmed lest a stare make someone uncomfortable.

….When a person enters a room, robots inside should pause for a moment and acknowledge the newcomer, a sign of deference that puts people at ease….It is vital that a robot of this sort is not perceived as hostile, but as having its owner’s best interests at heart….One way to do this is to give robots a defining human trait—the ability to make mistakes. Maha Salem, a researcher under Dr Dautenhahn, programmed a humanoid Asimo robot, made by Honda, to make occasional harmless mistakes such as pointing to one drawer while talking about another. When it comes to household robots, test subjects prefer those that err over infallible ones, Dr Salem says.

So this is how robots will eventually become our overlords. They will keep themselves small and supposedly easy to overpower. They will traffic in charming metaphors. They will pretend to care about our opinions. They will avoid eye contact. They will feign deference. They will simulate charming clumsiness. And, of course, they will mount a massive PR campaign aimed at getting Hollywood to portray robots not as the relentless killing machines they are, but as harmless, friendly little eco-bots. They will do all this while Skynet takes over behind the scenes. You have been warned.

Link:  

Robots Will Win Our Hearts Before They Destroy Us All

Posted in Casio, FF, GE, LG, ONA, Uncategorized, Venta | Tagged , , , , | Comments Off on Robots Will Win Our Hearts Before They Destroy Us All